The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,638
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$56,338
−HK$1,727/mo
Today · 4.125%
HK$58,065
baseline
▲ 0.50% · 4.625%
HK$61,598
+HK$3,533/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$116,130/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,785
−HK$3,284/mo
▼ 0.25% · 3.875%
HK$62,415
−HK$1,654/mo
Today · 4.125%
HK$64,069
baseline
▲ 0.50% · 4.625%
HK$67,446
+HK$3,377/mo
Deposit HK$11.98M · loan HK$11.98M · min. income ≈ HK$128,138/mo (50% DSR)
Upfront cash ≈ HK$13.00M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,566
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,605
−HK$2,073/mo
Today · 4.125%
HK$69,678
baseline
▲ 0.50% · 4.625%
HK$73,917
+HK$4,239/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$139,356/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,942
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,898
−HK$1,984/mo
Today · 4.125%
HK$76,882
baseline
▲ 0.50% · 4.625%
HK$80,935
+HK$4,053/mo
Deposit HK$9.58M · loan HK$14.38M · min. income ≈ HK$153,764/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,494
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,873
−HK$2,418/mo
Today · 4.125%
HK$81,291
baseline
▲ 0.50% · 4.625%
HK$86,237
+HK$4,946/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$162,582/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,098
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,381
−HK$2,315/mo
Today · 4.125%
HK$89,696
baseline
▲ 0.50% · 4.625%
HK$94,424
+HK$4,728/mo
Deposit HK$7.19M · loan HK$16.77M · min. income ≈ HK$179,392/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,349
−HK$6,167/mo
▼ 0.25% · 3.875%
HK$101,408
−HK$3,108/mo
Today · 4.125%
HK$104,516
baseline
▲ 0.50% · 4.625%
HK$110,876
+HK$6,360/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$209,032/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,412
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,347
−HK$2,977/mo
Today · 4.125%
HK$115,324
baseline
▲ 0.50% · 4.625%
HK$121,402
+HK$6,078/mo
Deposit HK$2.40M · loan HK$21.57M · min. income ≈ HK$230,648/mo (50% DSR)
Upfront cash ≈ HK$3.41M (deposit + AVD stamp duty HK$1,018,364 · Scale 2, in force from 26 Feb 2026)